Important Information

Important Information

Marginal Cost of Funds based Lending Rate (MCLR)

Effective September 07, 2017, the Marginal Cost of Funds based Lending Rate (MCLR) for Deutsche Bank AG, India branches is as below:

 Tenor  MCLR (per annum)
  Overnight 7.70%
  One month 7.95%
  Three month 8.45%
  Six month 8.95%
  One year 9.20%

The determination and application of the MCLR will be in accordance with the guidelines issued by the Reserve Bank of India from time to time. Customers may contact their respective Account / Relationship Manager for any further information / clarifications in this regard.

Base Rate

Effective October 14, 2016, the Base Rate for Deutsche Bank AG, India branches is 8.95% per cent per annum. The determination and application of the Base Rate will be in accordance with the guidelines issued by the Reserve Bank of India from time to time. Customers may contact their respective Account / Relationship Manager for any further information / clarifications in this regard.

Savings Account Interest Rate

With effect from 4th May 2011,the interest rate applicable on Savings Bank Accounts is 4.00% per annum. The interest on Savings Bank Accounts will continue to be calculated on daily product basis in line with the guidelines issued by the Reserve Bank of India, instead of the earlier methodology of calculating Savings Bank interest on the least balance between the 10th and the end of the month. The interest on Savings Bank Accounts will be paid at quarterly intervals i.e. on 31st March, 30th June, 30th September and 31st December every year.

RBI Press Release
  • RBI Never asks for Your Bank Account Details.
  • Do Not Pay Money to receive Large Funds from Abroad.
  • Do Not fall Prey to Fictitious Offers of Funds Transfer.
  • Remittance towards participation in lottery, money circulation schemes, other fictitious offers of cheap funds, etc.
  • Beware of Fictitious Offers / Lottery Winnings / Cheap Fund Offers.
  • RBI cautions Public against Fictitious Offers of Remitting Cheap Funds from Abroad.
  • RBI cautions Public Once Again against Fictitious Offers.
  • List of nodal agencies with whom public can register complaint.
 

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Public Notice

 

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Important Information on loans granted to Individual Borrowers



Calculate your total cost of credit using the Annual Percentage Rate (APR) calculator

 

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Monitoring of loan disposal system - Annexure A.



Monitoring of the progress in rehabilitation of sick MSE units - Annexure B.

 

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Financing needs of Micro and Small Enterprises - A guide.

 

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TRAI regulations on telecom commercial communication

 

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DICGC Insurance on Deposits: Deustche Bank AG, India has been covered under the Deposit Insurance and Credit Guarantee Corporation Act, 1961 which insures the bank's deposits to the extent of Rs. 1 lakh for every depositor in the same right and same capacity.

 

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Model Code of Conduct

 

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General Business Terms and Conditions

 

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Policies

Cheque Collection Policy

 


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Comprehensive Deposit Policy

 

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Compensation Policy

 

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Policy on Operational Procedure for Settlement of Claims of Deceased Depositors and Return of Articles in Safe Deposit Lockers and Demat Account

 

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Policy on Collection of Dues and Repossession of Security

 

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Policy for Lending to MSE

 

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Record Retention Policy

 

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Customer Rights Policy

 

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Loan Agreement

Loan Agreement for personal loan




Loan Agreement for home loan / loan against property / commercial property loan

 


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Deutsche Bank - Citizen's Charter

 

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Citizen's Charter for Currency Exchange Facilities

 

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BCSBI Code of Bank's Commitment to Customers

In english




In regional languages




BCSBI - Credit Counselling Service




BCSBI Newsletter

 


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Code of Bank's Commitment to Micro and Small Enterprises

In english




In hindi




In kannada

 


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Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises (MSMEs)

 

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Guidelines for rehabilitation of sick small scale units and debt restructuring mechanism for Small and Medium Enterprises ( SMEs)

 

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Banking Ombudsman Scheme

Banking Ombudsman Scheme 2006




Banking Ombudsman Scheme Amendment 2007




Banking Ombudsman Scheme Amendment 2009

 


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Do-Not-Call-Service:
Registering your phone / mobile number(s) with our Do-Not-Call Service.

 

Register for DNCS

 
Fair Practices Code for Lenders

Guidelines on Fair Practices Code for Lenders



Amendment - Guidelines on Fair Practices Code for Lenders

 


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Committee on Customer Service in Banks -
Inviting Suggestions from Public  (press release from RBI)

 

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NEFT Customer Facilitation Centres of participating Banks

 

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Collection agencies

 

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List of unclaimed deposits / inoperative accounts

 

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List of Bank Holiday - 2017

 

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Grievance Redressal

 

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Complaint Analysis - April 1, 2015 to March 31, 2016

 

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Other Important Notifications:
  • As per Reserve Bank of India's directive dated August 28, 2015, banks will observe public holiday on 2nd and 4th Saturday every month with immediate effect. All other Saturdays of the month will now operate as full working days. Banking services including payment systems such as RTGS, NEFT, Cheque clearing and ECS Services will be unavailable on the 2nd and 4th Saturday of the month. These services would be available through the day on all other Saturdays of the month as any other working day.
  • RTGS / NEFT / Demand Draft / Funds Transfer Instructions: All RTGS / NEFT / Demand Draft / Funds Transfer requests received at the branches will have to be supported by a valid cheque from the drawee account.
  • ATM Transactions: Please note that with effect from July 1, 2011 in accordance with RBI guidelines, the number of free transactions permitted per month at other bank ATMs for Savings Bank account holders shall be inclusive of all types of transactions - financial (cash withdrawals) and non-financial (including balance inquiry and mini-stmt).
  • Migrating to CTS 2010 Standards: As per RBI guidelines, non CTS-2010 Standard compliant cheques should be withdrawn in phased manner with effect from July 31, 2013. Please ensure to use CTS-2010 Standard compliant cheques, hence forth, to avoid any inconvenience. For more details please click here.
  • KYC and FATCA / CRS Declarations: Effective 1st January, 2016 mutual funds investors are required to submit Supplementary KYC and FATCA / CRS declarations to the respective MF registrars / fund houses, failing which no further investments would be permitted. Click here for online declaration.
  • Please note that, effective 1st July, 2017, Government of India has implemented Goods and Services Tax (GST), hence all the existing service tax rate of 15% on applicable charges are replaced by 18%.

    Click here to know the Deutsche Bank AG Provisional GST number / ID
    Click here for GSTIN registration form for customer / vendor

  • The General Business Conditions govern the entire business relationship between the customer and the Bank's domestic offices (hereinafter referred to as the “Bank”). In addition, particular business relations (such as securities transactions, card-based payments, use of cheques, savings accounts, credit transfers) are governed by Special Conditions, which may contain deviations from, or are in addition to, these General Business Conditions (hereinafter referred to “Special Business Conditions”). In addition, the Bank may devise its own rules for engaging with customers based on the residency of the customer in a particular country, then such rules may be treated as Special Business Conditions. The Special Business Conditions are agreed with the customer when the account is opened or other services are availed of. If the customer also maintains business relations with foreign offices / branches of the Bank, the Bank's lien (No.14 of the General Business Conditions) also secures the claims of such foreign offices / branches.